Universal HealthcareBy NextBestFit
Part 1 · Decisions

Review ledger

Every solution path has a draft decision, made by Claude on the owner's request so the plan could be built. None is reviewed yet. Work through this list top to bottom: the least certain and most consequential picks come first.

Awaiting review
187 / 187
Chosen
144
Low confidence
10
Flagged for a closer look
36
How to review
  • Open a path, read its trade-offs, and tell Claude to keep, flip, or change it.
  • Flipping a pick can break others: the build checks that every chosen path's requirements are chosen, no two chosen paths conflict, and every problem a chosen path creates has a chosen answer.
  • Reviewed decisions get reviewed: true in content/paths/decisions.ts and drop off this list.
  • Chosen paths feed Changes by phase.

1. Flagged for a closer look (36)

Picks with a specific question for you, least confident first.

PathDecisionConfidenceWhyWhat to review
Cover all residents regardless of immigration statusChosen
4. Wave 4: everyone
lowResidence-based eligibility ends emergency-only care and uncompensated costs; a residence period limits migration concerns.Value judgment with real cost; decide whether undocumented residents are covered.
Cover lawful residents; keep emergency care for othersRejectedlowKeeps uncompensated emergency care and mixed-status confusion.The alternative to the pick above.
Use government march-in and compulsory licensingRejectedlowWeakens patent certainty; negotiation covers most cases.Could be kept as a backstop.
Shorter training: combined undergrad/medical programsRejectedlowLarge accreditation change; lower priority.Could revisit later.
Catastrophic coverage after a waiting periodRejectedlowFull long-term care coverage inside the public plan chosen instead.Cheaper fallback if the full program is too costly.
Let health budgets pay for housing and foodChosen
5. Stabilize & govern
lowLets health budgets pay for housing and food in pilots.Health systems aren't housing experts; start as pilots.
Single public payer for everyoneChosen
1. Enactment & build
mediumOnly path that ends churn, networks, job lock, and most admin cost at once; matches the site's cost model.The biggest call on the site. Weigh against regulated multi-payer (Germany/Switzerland), which keeps plan choice with smaller savings.
Regulated multi-payer: everyone must have a non-profit or tightly regulated planRejectedmediumConflicts with single payer; keeps several insurers' overhead.Reconsider if keeping plan choice matters more than admin savings.
Lower the Medicare age step by step (and enroll children at birth)RejectedmediumToo slow as the main route; the wave roll-out already borrows its age-based sequencing.Could replace the wave plan if you prefer a slower, measurable expansion.
Automatic enrollment with free default coverageChosen
0. Preparation
mediumInterim: enroll uninsured people in free coverage while the public program is built.Only a bridge; check it doesn't delay the main transition.
No cost sharing at the point of careChosen
1. Enactment & build
mediumEnds underinsurance and new medical debt; the model already assumes it.Costs the most of the cost-sharing options and raises use; compare with Germany-style income-capped copays.
Modest copays with an income-based annual capRejectedmediumConflicts with zero cost sharing; keeps billing at the point of care.The main alternative if zero cost sharing proves too expensive.
Cover the territories in the national program on the same terms as the statesChosen
4. Wave 4: everyone
mediumUniversal means every U.S. citizen; the territories join with the last wave.Higher federal cost (GAO's Puerto Rico estimate implies about 1.6 to 3 times today's federal Medicaid spending there). Parity Medicaid is the smaller alternative.
Replace premiums with progressive taxesChosen
1. Enactment & build
mediumProgressive replacement for flat premiums; required by single payer.Check the household calculator: households above about $240k pay more.
Public coverage rules with clinician-led reviewChosen
1. Enactment & build
mediumOne public rulebook with independent appeals.Moves 'no' to program-wide decisions; see the rationing subpaths.
Eliminate prior authorization except for a short listChosen
2. Wave 1: seniors, near-seniors, and children
mediumKeep prior authorization only for a short list; audit afterwards.Watch for more low-value care; depends on audit capacity.
Fold Medicare Advantage into the public programChosen
2. Wave 1: seniors, near-seniors, and children
mediumMedicare joins the public program in wave one; extra benefits move into the public plan.MA enrollees lose plans they chose; check dental/vision/hearing are added first.
Cap commercial prices at a multiple of MedicareChosen
1. Enactment & build
mediumCaps commercial prices while private plans remain during the waves.Set the cap level; too low risks closures.
Global budgets for hospitalsChosen
1. Enactment & build
mediumHospital budgets end most hospital billing and stabilize rural hospitals.Main risk is rationing and under-treatment; see the subpaths chosen for those.
Fee-for-service at public fee scheduleChosen
1. Enactment & build
mediumPhysicians and clinics paid per service at a national fee schedule; rewards productivity and short waits.Encourages volume; compare with capitation for primary care.
Capitation for primary care and integrated systemsChosen
1. Enactment & build
mediumOptional, as the detailed plan sets out: primary care practices can take a blended per-patient payment, and integrated systems can take a risk-adjusted budget for patients who choose them.Opt-in only; the fee schedule stays the default. Watch for upcoding and avoiding sick patients.
National negotiation for all drugsChosen
1. Enactment & build
mediumNational negotiation for all drugs, tied to added benefit.Weigh savings against slower launches and some lost R&D (CBO: about 59 fewer drugs over 30 years for H.R. 3).
Convert to emergency and outpatient centersChosen
0. Preparation
mediumLets hospitals that can't sustain inpatient care keep emergency care.Worsens maternity deserts; paired with maternity standby payments.
Raise primary care pay relative to specialtiesChosen
1. Enactment & build
mediumShifts fee-schedule dollars to primary care.Specialists lose income.
Full practice authority for NPs, PAs, pharmacists, dental therapistsChosen
0. Preparation
mediumFastest way to add capacity before demand rises.Physician groups raise quality concerns; paired with outcome monitoring.
Every person registered with a primary care homeChosen
4. Wave 4: everyone
mediumEvery resident registered with a primary care practice, with self-referral for some specialties.Gatekeeping limits direct specialist access.
Evidence-based coverage decisionsChosen
1. Enactment & build
mediumEvidence-based coverage decisions.Controversial; see the rationing subpaths.
Harm reduction servicesChosen
0. Preparation
mediumFewer deaths; community opposition.Supervised consumption sites are contested.
Universal long-term care insuranceChosen
2. Wave 1: seniors, near-seniors, and children
mediumEnds spend-down. Funded inside the public plan, as the cost model already assumes: home- and community-based care becomes an entitlement, home health has no asset test, and nursing-home care is covered except room and board.The model assumes 10–20% more use of home care; the woodwork effect could be larger (Japan's demand grew faster than expected).
Cover dental, vision, and hearing fullyChosen
4. Wave 4: everyone
mediumMatches the cost model: adult dental, glasses, and hearing aids covered; only cosmetic dental, orthodontics, and premium eyewear stay out of pocket.Dentist capacity is limited; the model assumes 35% more dental use. Basic-only coverage is the cheaper fallback.
Cover preventive and basic dental; hearing aids and glasses with limitsRejectedmediumFull dental chosen to match the cost model.The fallback if dental capacity or cost is a problem.
National health record and patient IDChosen
1. Enactment & build
mediumRecords follow patients.Privacy and security risks; paired with privacy law and redundancy.
Allow supplemental only (non-covered items)Chosen
4. Wave 4: everyone
mediumPrivate insurance only for non-covered extras.Decide where the line between extras and core care sits.
State pilots firstRejectedmediumPhased national waves chosen instead.State pilots could precede wave one if you prefer more evidence first.
A mix of payroll, income, and redirected spendingChosen
1. Enactment & build
mediumEmployer payroll tax plus an income-based household premium and recaptured income tax, as in the model.Check the rates and the $250k payroll exemption.
Maintenance-of-effort payments from statesChosen
1. Enactment & build
mediumStates pay in what they spent on Medicaid.Locks in historical differences between states.

2. Everything else (151)

Mostly picks that follow from the ones above, or interim fixes. Quick to confirm.

PathDecisionConfidenceWhyWhat to review
Prize funds and advance market commitmentsChosen
5. Stabilize & govern
lowStart with antibiotics, where markets fail.—
Keep social programs separateRejectedlowHealth-budget pilots chosen instead.—
Salaried clinicians in public or non-profit groupsRejectedlowFee schedule chosen for clinicians.—
Require timely U.S. launch as a condition of market accessRejectedlowHard to enforce.—
Value-based cost sharingRejectedmediumKeeps billing; the coverage-list path handles low-value care instead.—
Give the territories state-like Medicaid funding but keep separate programsRejectedmediumFull inclusion chosen; parity would keep coverage tied to territory Medicaid eligibility.—
Restore competition and leave prices to marketsRejectedmediumToo slow as the main price tool; antitrust is still chosen separately.—
Limit private equity ownership and require disclosureChosen
0. Preparation
mediumTargets asset stripping and roll-ups.—
Tie nonprofit tax exemption to community benefitChosen
0. Preparation
mediumTies nonprofit tax exemptions to charity care.—
Public review of hospital budgetsChosen
3. Waves 2 & 3: working-age adults
mediumExecutive and admin costs reviewed within hospital budgets.—
International reference pricingRejectedmediumNegotiation already uses international prices as a benchmark.—
Public manufacturing of off-patent drugsChosen
1. Enactment & build
mediumPublic or nonprofit production of off-patent drugs with high prices or shortages.—
Limit patent thickets and evergreeningChosen
0. Preparation
mediumLimits thickets and pay-for-delay; keeps core patents.—
Keep the current patent systemRejectedmediumThickets keep delaying generics.—
Expand public R&D fundingChosen
1. Enactment & build
mediumOffsets some lost private R&D with public funding.—
Value-based prices that reward real innovationChosen
1. Enactment & build
mediumPays more for real breakthroughs, less for me-too drugs.—
National stockpile and onshore productionChosen
5. Stabilize & govern
mediumBuffer for disruptions.—
Standby payments to keep labor units openChosen
2. Wave 1: seniors, near-seniors, and children
mediumKeeps rural labor units open.—
Expand midwives and birth centersChosen
0. Preparation
mediumAdds capacity in maternity deserts.—
Higher pay in shortage areasChosen
1. Enactment & build
mediumSimple add-on to the fee schedule.—
Publicly funded EMS as essential serviceChosen
3. Waves 2 & 3: working-age adults
mediumEMS funded by budget like fire departments.—
Easier licensing for foreign-trained physiciansChosen
0. Preparation
mediumFast supply increase under supervision.—
Tuition-free medical and nursing schoolChosen
0. Preparation
mediumTuition-free medical and nursing school tied to service.—
Minimum nurse staffing ratiosChosen
5. Stabilize & govern
mediumPhased in once the pipeline grows.—
Fund scribes and AI documentationChosen
0. Preparation
mediumQuick relief now.—
Team-based care with physician oversightRejectedmediumSupervision is a bottleneck in rural areas; full scope chosen instead.—
Invest outside health careChosen
5. Stabilize & govern
mediumAddresses causes outside health care.—
Equity-adjusted fundingChosen
1. Enactment & build
mediumExtra pay for deprived areas.—
No-fault compensation for medical injuryChosen
5. Stabilize & govern
mediumFaster compensation, less defensive medicine.—
Safe harbor for following clinical guidelinesRejectedmediumNo-fault chosen instead.—
Redeploy billing staff to care coordinationChosen
1. Enactment & build
mediumKeeps some experienced staff in navigation roles.—
Feedback and clinician nudgesChosen
5. Stabilize & govern
mediumCheap feedback to clinicians.—
Stepped care and integration into primary careChosen
0. Preparation
mediumLarge capacity at low cost.—
Keep means testing, but expand home careChosen
0. Preparation
mediumEnds home-care waitlists now.—
Minimum staffing and financial transparencyChosen
5. Stabilize & govern
mediumPhased staffing minimums with funding in rates.—
Shift to small homes and home careChosen
5. Stabilize & govern
mediumBetter quality of life over time.—
Require non-profit hospiceRejectedmediumOversight first; capacity loss risk.—
Opt-out of national record sharingChosen
1. Enactment & build
mediumChoice for patients.—
Legal wait-time guaranteesChosen
4. Wave 4: everyone
mediumLegal maximum waits with care elsewhere when missed.—
Pay for activity on top of budgetsChosen
3. Waves 2 & 3: working-age adults
mediumPays for extra volume on top of budgets.—
Allow private insurance for covered servicesRejectedmediumConflicts with banning duplicate private insurance.—
Ban duplicate private insuranceRejectedmediumSupplemental-only chosen as the middle ground.—
Dedicated trust fund with automatic indexingChosen
1. Enactment & build
mediumEarmarked revenue indexed to costs.—
Annual appropriations from general revenueRejectedmediumConflicts with the trust fund; underfunding risk.—
Spending-growth target tied to GDP, reviewed publiclyChosen
5. Stabilize & govern
mediumIndependent board with a growth target.—
Separate public capital budget, planned regionallyChosen
1. Enactment & build
mediumRegional capital planning.—
Build a capital allowance into ratesRejectedmediumSeparate capital budget chosen.—
Cover new treatments at launch, then reassessChosen
1. Enactment & build
mediumCover new drugs at launch, reassess later.—
Recycle part of drug savings into researchChosen
1. Enactment & build
mediumRecycle part of drug savings into research.—
Accept somewhat slower adoptionRejectedmediumFast-track coverage chosen instead.—
Strict opt-out rules for cash-only practiceChosen
1. Enactment & build
mediumOpted-out clinicians stay out for a set period.—
Lower costs for clinicians, not only payChosen
5. Stabilize & govern
mediumLower clinicians' costs, not just pay.—
Fast transition in one or two yearsRejectedmediumToo risky at U.S. scale.—
Regional administrators under national rulesChosen
1. Enactment & build
mediumRegional administrators under national rules.—
Private supplemental plans for extrasChosen
4. Wave 4: everyone
mediumSupplemental plans for extras.—
Let people choose among public care organizationsChosen
3. Waves 2 & 3: working-age adults
mediumIntegrated systems (Kaiser/Geisinger style) can enroll patients who choose them, as in the detailed plan.—
Payroll tax (employer and employee)RejectedmediumMix chosen.—
Progressive income tax (including capital income)RejectedmediumMix chosen.—
Value-added taxRejectedmediumRegressive without rebates; mix chosen.—
No employer tax: fund from households directlyRejectedmediumRequires household-only financing; the model keeps an employer tax.—
Automatic exemptions and annual collection through taxesChosen
4. Wave 4: everyone
mediumApplies only to standby copays (if activated) and to supplemental plans.—
Drop point-of-care charges entirelyChosen
1. Enactment & build
mediumNo charges for core covered care.—
Only flat, small charges on a few servicesRejectedmediumZero cost sharing chosen.—
Cover everything clinically effective, without cost thresholdsRejectedmediumConflicts with evidence-based coverage.—
Base budget plus activity paymentsChosen
3. Waves 2 & 3: working-age adults
mediumActivity payments on top of budgets.—
Waiting-time guarantees as a backstopChosen
4. Wave 4: everyone
mediumWait guarantees as a backstop.—
Risk adjustment plus outcome monitoringChosen
3. Waves 2 & 3: working-age adults
mediumOutcome monitoring for budget-funded hospitals.—
Keep private R&D for most drugs; public funds fill gapsRejectedmediumPublic R&D expanded beyond gap-filling.—
Supervised transition period before independenceChosen
0. Preparation
mediumSupervised hours before independence.—
Hardship waivers for shortage areasChosen
5. Stabilize & govern
mediumTime-limited waivers for shortage areas.—
Cash benefit option for family caregiversChosen
5. Stabilize & govern
mediumCash option for family caregivers.—
Residence period before eligibilityChosen
4. Wave 4: everyone
mediumResidence period; emergencies, children, pregnancy covered immediately.—
Cover from day oneRejectedmediumResidence period chosen.—
Report measures publicly without tying pay to themRejectedmediumSome pay-for-performance kept (wait guarantees, risk adjustment).—
States administer under national rulesChosen
1. Enactment & build
mediumStates run enrollment and provider relations under national rules.—
Public option alongside private insuranceRejectedhighConflicts with single payer; universal only with auto-enrollment.—
Individual mandate with larger subsidiesRejectedhighConflicts with single payer; penalties fall on low-income people.—
Continuous eligibility (12-month or multi-year) in Medicaid and CHIPChosen
0. Preparation
highCheap interim fix for Medicaid churn before the transition.—
Coverage tied to residence, not job or incomeChosen
4. Wave 4: everyone
highFollows from residence-based coverage.—
Decouple coverage from employmentChosen
4. Wave 4: everyone
highFollows from single payer.—
Keep employer insurance but make it portableRejectedhighUnneeded once coverage is decoupled from jobs.—
Every licensed provider is in-networkChosen
2. Wave 1: seniors, near-seniors, and children
highFollows from one payer and one rate.—
Stronger network adequacy rules and audited directoriesRejectedhighUnneeded once networks end.—
Keep capped funding but raise it and index it to costsRejectedhighKeeps territory residents on different terms.—
Buy and cancel existing medical debtChosen
0. Preparation
highCheap per dollar forgiven; immediate relief.—
Ban medical debt from credit reports and limit collectionsChosen
0. Preparation
highLow cost; protects credit while old debt winds down.—
Prevent new debt by ending point-of-care billsChosen
2. Wave 1: seniors, near-seniors, and children
highFollows from zero cost sharing.—
Income-based premiums in a multi-payer systemRejectedhighRequires a multi-payer system, which was rejected.—
One public price list for every serviceChosen
1. Enactment & build
highFollows from all-payer rates.—
Enforce price transparency rulesChosen
0. Preparation
highInterim enforcement until one price list exists.—
Set a default out-of-network rate instead of arbitrationChosen
0. Preparation
highInterim: ends arbitration costs before networks disappear.—
Eliminate out-of-network statusChosen
4. Wave 4: everyone
highOut-of-network ends with one payer.—
Regulate denials: reporting, penalties, and fast independent appealsChosen
0. Preparation
highInterim protection while private plans remain.—
Gold-carding and automatic approvalsChosen
0. Preparation
highInterim relief for clinicians.—
Fix Medicare Advantage paymentsChosen
0. Preparation
highInterim savings until Medicare Advantage is folded in.—
Public administration with a cost targetChosen
1. Enactment & build
highFollows from single payer; publish an admin-cost target.—
Tighter medical-loss ratios and non-profit requirementRejectedhighRequires a multi-payer system.—
Public drug formulary and direct pricingChosen
1. Enactment & build
highPublic formulary and direct pricing replace PBMs.—
Regulate PBMs: delink pay from drug prices, ban spread pricingChosen
0. Preparation
highInterim rules until public drug purchasing starts.—
All-payer rate settingChosen
1. Enactment & build
highOne rate for every payer; works during the transition and after.—
Stronger antitrust: block mergers and undo someChosen
0. Preparation
highStill useful while prices are negotiated.—
Make consolidation irrelevant to priceChosen
1. Enactment & build
highUniform rates remove the price reason to merge.—
Remove the profit opportunity through rate settingChosen
1. Enactment & build
highUniform rates remove out-of-network arbitrage.—
Site-neutral paymentChosen
0. Preparation
highSame pay for the same service.—
Ban facility fees for off-campus clinicsRejectedhighCovered by site-neutral pay.—
Pay more for reliable supplyChosen
1. Enactment & build
highPays enough to keep essential generics in supply.—
Fair dispensing fees and support for rural pharmaciesChosen
1. Enactment & build
highTransparent dispensing fees keep pharmacies open.—
Mail-order and telepharmacyChosen
0. Preparation
highCheap rural access now.—
Global budgets for rural hospitalsChosen
2. Wave 1: seniors, near-seniors, and children
highStable funding for rural hospitals.—
Loan forgiveness and service obligationsChosen
0. Preparation
highProven to place clinicians in shortage areas.—
Permanent telehealth coverageChosen
0. Preparation
highFast access, especially mental health.—
Cover ambulance and non-emergency transportChosen
2. Wave 1: seniors, near-seniors, and children
highCovers ambulances and rides.—
Fund more residency slotsChosen
0. Preparation
highLong lead time; start first.—
Expand nursing schools and faculty payChosen
0. Preparation
highSchools turn away qualified applicants today.—
Cut documentation and billing burdenChosen
4. Wave 4: everyone
highSimpler billing under one payer.—
Shift spending toward primary careChosen
1. Enactment & build
highPrimary care spending target.—
12-month postpartum coverage and home visitsChosen
0. Preparation
highCheap, proven.—
Hospital safety bundles and review committeesChosen
0. Preparation
highProven in California.—
Mandatory error reporting and learning systemChosen
1. Enactment & build
highNo-blame learning system.—
Rely on universal coverage and uniform ratesChosen
1. Enactment & build
highOne rate for every patient.—
One claims system and standard rulesChosen
1. Enactment & build
highOne claims system under one payer.—
Standardize across many payersChosen
0. Preparation
highInterim standardization across today's insurers.—
Worker transition programChosen
1. Enactment & build
highMends the main losers of admin savings.—
Pre-payment analytics and auditsChosen
1. Enactment & build
highOne data system sees all billing.—
Stricter provider enrollmentChosen
1. Enactment & build
highStops fraud before payment.—
Pay mental health clinicians at parityChosen
1. Enactment & build
highPays enough that clinicians accept coverage.—
Easy access to medication treatmentChosen
0. Preparation
highReduces overdose deaths.—
Tighter hospice oversightChosen
0. Preparation
highTargets fraud.—
Dedicated public health fundingChosen
1. Enactment & build
highProtects public health from cuts.—
Free preventive care and vaccinesChosen
0. Preparation
highAlready the rule for ACA preventive services.—
Mandatory data-sharing standardsChosen
0. Preparation
highEnforce existing standards now.—
Mandatory security standards and backup payment systemsChosen
0. Preparation
highLesson of the Change Healthcare attack.—
Redundant public infrastructureChosen
1. Enactment & build
highNo single point of failure for the national claims system.—
Strong health privacy lawChosen
0. Preparation
highCovers apps and data brokers.—
Build capacity before demand risesChosen
0. Preparation
highBuild capacity before demand rises.—
Phase rate changes in over several yearsChosen
3. Waves 2 & 3: working-age adults
highPhase rate changes over years.—
Phased transition in wavesChosen
0. Preparation
highWaves over several years; matches the site's draft plan.—
Fixed budget share for program integrityChosen
1. Enactment & build
highFixed budget for program integrity.—
Hold the single payer to service standardsChosen
5. Stabilize & govern
highService standards and an ombudsman.—
Phase in employer taxes for small and low-wage firmsChosen
1. Enactment & build
highMatches the model's payroll exemption.—
Independent, transparent coverage body with appealsChosen
1. Enactment & build
highIndependent coverage body with appeals.—
Clinician-led exceptions with fast reviewChosen
1. Enactment & build
highFast exceptions for unusual cases.—
Budgets adjust automatically for population, age, and volumeChosen
3. Waves 2 & 3: working-age adults
highBudgets follow population and age.—
Blended payment: part capitation, part fee-for-serviceChosen
1. Enactment & build
highThe primary-care option is blended: per-patient payment for about 70% of expected revenue plus fees for the rest.—
Price floors and supply guarantees for essential productsChosen
1. Enactment & build
highProtects supply of essentials.—
Monitor supply and adjust prices quicklyChosen
5. Stabilize & govern
highRaise prices when supply falls.—
Independent peer review with set-asides for high-risk ideasChosen
1. Enactment & build
highKeeps scientists, not politicians, choosing grants.—
Measure outcomes by clinician type and adjust scopeChosen
0. Preparation
highMeasure outcomes by clinician type.—
Phase mandates in with workforce growth, funded in ratesChosen
5. Stabilize & govern
highMandates tighten with workforce growth.—
Standardized needs assessment and tiered benefitsChosen
5. Stabilize & govern
highIndependent needs assessment.—
Independent audits and few, simple measuresChosen
5. Stabilize & govern
highFew, audited measures.—